中国农村普惠性金融发展的生产率效应——来自1867个县(市)数据的实证研究  

Productivity Effect of Rural Inclusive Finance Development in China——Empirical Study on Data from 1 867 Counties(Cities)

作　　者：田杰[1,2] 贾天宇[1,2] 陶建平[1,2] 

机构地区：[1]华中农业大学经济管理学院,湖北武汉430070 [2]湖北农村发展研究中心,湖北武汉430070

出　　处：《华中农业大学学报（社会科学版）》2012年第3期28-32,共5页Journal of Huazhong Agricultural University(Social Sciences Edition)

基　　金：湖北社会科学基金项目"我国农村金融排除研究:测度;福利影响与政策干预"(2011-12-29)

摘　　要：以来自中国1 867个县(市)的数据为依据,运用随机前沿分析法,对农村普惠性金融发展的生产率效应进行了实证检验。结果表明,从全国层面看,中国农村普惠性金融发展的生产率效应为正,组成农村普惠性金融的贷款使用效用维度和产品接触维度显著地促进了农村生产率增长;从区域层面看,中部地区农村普惠性金融发展的生产率效应为正,西部地区不显著,东部地区不存在效率损失。就农村普惠性金融发展促进农村生产率增长提出了继续深化农村金融制度改革、增加金融资源在中西部的投入等政策建议。Based on the data from 1 867 counties（cities）,this paper positivley analyzes the productivity effect on rural inclusive finance development in China.The result shows that,from a national perspective,the productivity effect of rural inclusive finance development in China is positive,and utility dimension of loan and contact dimension of rural finance products which constitutes the rural inclusive finance has significantly promoted the productivity growth in rural areas.From a regional perspective,the effect of inclusive financial development on rural productivity in central regions of China is positive,which is not significant in the western regions,while there is no efficiency loss in the eastern regions.Consequently,this paper puts forward some corresponding policy recommendations on how rural inclusive finance promotes the development of rural productivity.

关 键 词：农村普惠性金融 金融发展 金融宽度 金融排斥 农村经济 生产率效应 

分 类 号：F323.9[经济管理—产业经济]